Quick Vegetarian Pinto Bean Chili - Half Cup Habit

Ingredients

• 1 lb pinto beans (dried)
• 10 cups water
• 1 bay leaf
• 2 cloves garlic (peeled)
• 1/2 onion (white)
• red pepper flakes (optional)
• salt (to taste)
• 1 onion (yellow; diced)
• 1 bell pepper (red; diced)
• 3 cloves garlic (minced)
• 2 tsp chili powder
• 1 tsp cumin (ground)
• 2 cups pinto beans (cooked)
• 1 15 oz can tomatoes (crushed)
• 1 15 oz can tomatoes (fire roasted, diced)
• salt and pepper (to taste)
• toppings (as desired: avocado, cilantro, plain yogurt, lime juice)